Underwriter III - Non-Delegated Mortgage

Western Alliance Bancorporation; Dallas (TX); Remote; USD 75,000 - 95,000; Full time

Job summary

A financial services company is seeking an Underwriter III to underwrite conventional loans and manage a pipeline in a remote setting. This role requires strong customer service skills and the ability to navigate mortgage guidelines. Ideal candidates will have experience with automated underwriting systems and effective communication skills. The company offers competitive salaries, great benefits, and opportunities for career growth.

Benefits

Competitive salaries

401k matching program

Tuition assistance program

Employee volunteer program

Wellness program

Qualifications

• Encompass LOS experience preferred.
• Project management experience preferred.
• Ability to communicate effectively and professionally.
• Basic proficiency in Microsoft Office products (Excel, Word, etc.).
• Loan quality and risk management experience.
• Excellent customer/client service skills.
• Ability to work in a fast-paced production environment.
• Self-starter, self-reliant, dependable.
• Excellent written and verbal communication skills.
• Prioritization and time management skills.
• Ability to learn and adapt to guideline changes.
• Knowledge of FNMA and FHLMC guidelines.
• Proficiency with automated underwriting systems.

Responsibilities

• Underwrite conventional loans reviewing credit, capacity, and collateral.
• Manage individual pipeline by completing Conventional loans.
• Identify document deficiencies and request additional information.
• Assist personnel in interpreting underwriting guidelines.
• Contact clients for updates and clarifications.

Skills

Encompass LOS experience

Project management experience

Effective communication

Basic Microsoft Office proficiency

Loan quality and risk management

Customer service skills

Fast-paced work adaptability

Self-starter qualities

Excellent communication skills

Time management skills

Learning adaptability

Knowledge of FNMA and FHLMC guidelines

Automated underwriting system proficiency

Job description

Job Title:

Underwriter III - Non-Delegated Mortgage

Location:

Remote Texas

What you'll do:

A Mortgage Underwriter III is responsible for underwriting conventional loans by reviewing the credit, capacity, and collateral characteristics of loan files to ensure it meets company and investor quality standards.

• Manage individual pipeline on a daily basis by completing Conventional loans, Non-Agency (including Bank Statement, Jumbo, and DSCR programs), simple and complex Underwriting Reviews, Conditions Reviews and other Underwriting Tasks within established turn times.
• Identify any document deficiencies, request additional information and/or documentation from Clients as needed.
• Navigate and interpret all Agency, Non-Agency and company guidelines.
• Assist other department personnel in interpreting underwriting guidelines, update loan status and complete all necessary tasks assigned to loan.
• Contact clients to provide updates and clarification on outstanding conditions and deficiencies identified on loans.
• Experience associated with client-initiated scenario questions and ability to provide live assistance with loan structure and solution-based guidance.

What you'll need:

• Encompass LOS experience preferred

• Project management experience preferred
• Ability to communicate effectively and professionally
• Basic proficiency in Microsoft Office products (Excel, Word, etc.)
• Loan quality and risk management experience
• Excellent Customer/Client service skills
• Ability to work in a fast-paced production environment
• Self-starter, self-reliant, dependable, ability to work within and meet specific time constraints
• Excellent written and verbal communication skills
• Prioritization and Time Management skills
• Ability to learn and adapt to guideline changes
• Knowledge of FNMA and FHLMC guidelines
• Proficiency with automated underwriting systems such as Desktop Underwriter and Loan Product Advisor

Benefits you'll love:

We offer all the important things you'd want - like competitive salaries, an ownership stake in the company, medical and dental insurance, time off, a great 401k matching program, tuition assistance program, an employee volunteer program, and a wellness program. In addition, you'll have the opportunity to bolster your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands-on experience to help grow your career!

About the company:

AmeriHome Mortgage is a Western Alliance Bank company. Western Alliance Bank is a wholly owned subsidiary of Western Alliance Bancorporation. Alliance Bank of Arizona, Alliance Association Bank, Bank of Nevada, Bridge Bank, First Independent Bank, and Torrey Pines Bank are divisions of Western Alliance Bank; Member FDIC.

Western Alliance Bancorporation is committed to equal employment and will consider all qualified applicants without regard to race, sex, color, religion, age, nation origin, marital status, disability, protected veteran status, sexual orientation, gender identity or genetic information. Western Alliance Bancorporation is committed to working with and providing reasonable accommodations for individuals with disabilities. If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process and/or need an alternative method of applying, please email [e-mail] or call 602-386-2488. When contacting us, please provide your contact information and state the nature of your accessibility issue. We will only respond to inquiries concerning requests that involve a reasonable accommodation in the application process.

Western Alliance Bancorporation